The Hartford doesn’t offer midwife insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Insurance for Midwives?
Midwife insurance is made up of different types of business insurance coverages designed to help protect you from various risks. From the possibility of emergencies during a birth to dealing with accidental property damage at a client’s home, this insurance can help safeguard your practice.
Midwife insurance is typically made up of liability insurance and other types of common coverages, including:
- General liability insurance
- Business Owner’s Policy (BOP)
- Professional liability insurance
- Hired and non-owned auto insurance
Who May Need Midwife Insurance?
Insurance coverage can help protect many types of businesses offering midwife services, such as:
- Independent home-birth midwives
- Birth centers
- Certified nurse-midwives (CNM)
- Postpartum care providers
Why Is Midwife Insurance Important?
Midwife insurance is a collection of coverages that helps protect you from the risks you might face during client consultations and birth sessions. While your skills and compassion are invaluable, even the most experienced midwives encounter challenging circumstances, like personal injuries and equipment breakdowns. A simple incident, like slipping in a client's home, could disrupt your practice and threaten your livelihood. As a business owner, it’s important to be prepared for all scenarios to ensure you’re not left vulnerable. Insurance can help you stay protected, so you can focus on what matters most: bringing new life into the world.
Midwife insurance can help protect you from the unique risks that come with:
- Assisting in births and providing prenatal care
- Supporting home births and managing emergency situations
- Handling sensitive patient information and ensuring confidentiality
What Midwife Insurance Coverages Might I Need?
As a midwife, having the right type of insurance can give you peace of mind as you take care of your clients. Many midwives start with a Business Owner’s Policy (BOP) as the foundation of their insurance plan.
A BOP combines three types of coverage to help protect you from common risks:
General liability insurance helps protect you from claims that you caused bodily injury or property damage to someone else’s belongings.
Commercial property insurance helps protect your owned or rented equipment and the supplies you rely on to care for your clients.
Business income insurance helps replace lost income if you can’t run your business temporarily because of covered property damage caused by fire, theft or wind.
It’s important to remember that a BOP won’t cover every claim you might face on the job. You’ll need to get other types of coverage to create comprehensive protection, including:
Commercial auto insurance to help protect you on the road when using a company-owned vehicle for work. If you use your personal car for work, you may want to consider hired and non-owned auto coverage.
Professional liability insurance, or errors and omissions insurance, to help protect you from claims that you made a mistake in the services you gave to a client. This coverage can help pay your legal costs, such as attorney fees, settlements or judgments. This is also known as medical malpractice insurance.
How Much Does Midwife Insurance Cost?
Although The Hartford doesn’t offer coverage for midwives, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of midwife insurance will vary because every professional has unique needs. Insurance companies may consider several factors when determining the your coverage cost, including:
- The city you practice in
- Type of coverage
- Your claims history
- Coverage limits you select
To find out your midwife malpractice insurance cost, get a free online quote today from Tivly.
General Liability Insurance
“My client’s husband tripped over supplies I had laid out on the floor to help take care of the baby. He landed awkwardly on his wrist and had to go to urgent care for treatment.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance
“A patient sued me because their baby had prolonged oxygen deprivation. They felt it was because I didn’t escalate care during a difficult labor.”
Professional liability insurance can help cover claims that you made a mistake in the professional services given to a client. This coverage is also known as errors and omissions insurance.
Workers’ Compensation Insurance
“One of my nurses stuck herself with a needle while taking some blood.”
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness.
Hired and Non-Owned Auto Insurance
“My office manager was using their car to pick up supplies when he rear-ended another car.”
Hired and non-owned auto insurance helps cover claims related to an auto accident when using a personal vehicle for work.
Commercial Property Insurance
“A fire broke out in the building where we store our supplies and equipment. We had to replace a few items because of smoke damage.”
Commercial property insurance helps protect the tools and supplies you rely on to run your business.
Business Income Insurance
“A pipe burst in our waiting room. We had to temporarily close while repairs were made.”
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage.
Get a Quote for Midwife Insurance Options
Find a policy that helps protect your practice, so you can stay focused on the families in your care. Get a quote for midwife insurance through Tivly.
Last Updated: May 18, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, “Number of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2023,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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